General Information

The General Information module covers the core operational features of the Everest Card Management System, including card number generation, status management, PIN handling, transaction restrictions, fees, embossing, and notification services.

Card Number Production

Card numbers are generated according to international standards with: - Luhn algorithm validation - BIN-based sequential or random generation - Unique number guarantee across the system

Supported Card Types

Type	Description
Credit	Individual and corporate credit cards
Debit	Bank cards linked to accounts
Prepaid	Pre-loaded value cards
Virtual	Digital-only cards for e-commerce
Digital	Cards convertible to physical form
HCE/Tokenized	Mobile NFC payment cards

Card Technologies

• Contact EMV: Chip-based secure transactions
• Contactless: NFC-enabled tap payments
• Magnetic Stripe: Legacy support for compatibility
• Dual Interface: Combined contact and contactless

Key Management

PCI DSS compliant key management on HSM: - CVK (Card Verification Key) - PVK (PIN Verification Key) - ZPK (Zone PIN Key) - MK-AC (Master Key for Application Cryptogram)

Card Status Structure

Status Transitions

Cards can transition through various states: - Active - Inactive - Blocked - Lost/Stolen - Expired - Closed

Manual Status Update

Individual card status changes through operator screens with audit logging.

Bulk Status Update

Mass status updates for card portfolios based on criteria filters.

Transaction Restrictions

Restriction Codes

Code	Transaction Type
POS Cash Advance	ATM Transaction
Fast Fund Debit	Quasi Cash
Project Sharing	Sale
Pos Cash Withdrawal	Installment Sales
Cheque	Tax Payment
Domestic Cash Advance	Overseas Sales
E-Commerce	Overseas Cash Advance
E-Commerce without SMS	Overseas E-Commerce
Bill Payment	Contactless Transaction
Mail Order	Pre-Authorization

Event-Based Transaction Limitation

Dynamic restrictions triggered by specific events: - Failed PIN attempts - Suspicious activity patterns - Geographic anomalies

MCC and Country Restrictions

• Merchant Category Code (MCC) based blocking
• Country-level transaction controls
• Whitelist/Blacklist management

Fees

Card Fees

• Annual membership fees
• Card issuance fees
• Replacement card fees

Transaction Fees

• Cash advance fees
• Foreign exchange fees
• ATM withdrawal fees

Periodic Charges

• Monthly/quarterly maintenance
• Statement generation fees
• SMS notification fees

Other Fees

• Rush delivery fees
• PIN reissue fees
• Account inquiry fees

PIN Sending Methods

Multiple secure PIN delivery channels: - SMS: Encrypted PIN via mobile - IVR: Interactive Voice Response - ATM: PIN change at ATM - POS: PIN change at POS terminal - PIN Mailer: Physical printed mailer

Courier and Delivery Tracking

• Integration with courier companies
• Real-time delivery status tracking
• Proof of delivery confirmation
• Failed delivery management

No-Name Card (Anonymous Cards)

No-Name Card Production

Pre-printed cards without cardholder name for: - Instant issuance at branches - Stock management by dealers - Quick customer onboarding

Features: - Stock tracking and allocation - Dealer order management - Customer matching and activation - Inventory reporting

Card Embossing Processes

Manual Embossing File Preparation

Operator-initiated embossing requests for individual cards.

Automatic Embossing File Preparation

Batch processing for scheduled embossing runs.

Creating Embossing File

• PGP encrypted data generation
• FTP transfer to embossing company
• Support for new, renewal, re-embossing, and supplementary cards

Processing Embossing Feedback Files

• Confirmation of successful embossing
• Error handling and retry logic
• Stock reconciliation

SMS/Push/E-mail Notifications

Real-time customer notification capabilities:

Event	Channels
Transaction Alert	SMS, Push, Email
Statement Ready	SMS, Push, Email
Payment Due	SMS, Push, Email
Card Activation	SMS, Email
PIN Change	SMS
Limit Change	SMS, Push
Security Alert	SMS, Push, Email

Authorization and Controls

ISO8583-based message processing with: - Real-time authorization decisions - Online/offline limit management - Multi-level approval workflows - Fraud scoring integration - 3D Secure validation

EMV Script Applications

Dynamic card management through EMV scripts: - PIN unblock scripts - Application block/unblock - Counter reset commands - Parameter updates

Reward Parameters

Customer Reward Profile

• Customer-level earning rules
• Tier-based multipliers
• Special campaign eligibility

Card Reward Profile

• Card-specific earning rates
• Product-linked bonuses
• Promotional periods

Bulk Reward Transactions

• Mass point awards
• Campaign distributions
• Correction transactions

Co-Brand Company Integration

• Partner program connectivity
• Real-time point synchronization
• Joint loyalty programs

Card Memo and Log Structure

Comprehensive audit trail: - All card modifications logged - Operator action tracking - System event recording - Searchable memo history

Transaction Types

Supported transaction categories: - Purchase (Sale) - Cash Advance - Refund/Reversal - Balance Inquiry - PIN Change - Fund Transfer - Bill Payment - Pre-Authorization - Installment Purchase